NFM Lending Archives

NFM Lending is proud to sponsor the Navy SEAL Foundation, an organization that provides assistance and support to Navy SEALs and their families. The Foundation offers programs that help these warriors and their families financially, emotionally, and mentally, including educational opportunities, tragedy assistance, survivor support, and legacy preservation.

This past month, NFM Lending held its 8^th annual Support Our Troops Drive, sending 150 care packages to U.S. troops deployed overseas. NFM Lending is proud to support the U.S. military and veterans, and is grateful for the opportunity to support the Navy SEAL Foundation.

LINTHICUM, MD, December 4, 2015— NFM Lending is proud to announce that it was ranked #1 of 100 Top Workplaces in the Baltimore area by The Baltimore Sun. This is the fourth year in a row that NFM Lending has been named a Top Workplace. NFM Lending was also highlighted by the newspaper for being ranked No. 1 Midsized Company.

Each year, The Baltimore Sun distributes a survey to employees of Baltimore area workplaces. The survey analyzes the job satisfaction and engagement of the employees, and the values and organizational health of the company.

“It took years to develop our culture and to find our identity,” said Jan Ozga, President of NFM Lending. “Now it has become infectious and a way of life at NFM. It’s not winning this award that’s exciting— it’s knowing that people love where they work. The financial rewards mean nothing in comparison to receiving this award four years in a row. At the end of the day, if you have built a company where people love working, then you have done your job as a leader. In order for NFM to operate, we must be profitable; in order for NFM to survive, we must always have a fair and happy work environment.”

NFM Lending prides itself on its exceptional culture. The company’s executive team has an open door policy, which allows a clear line of communication between management and staff. Employees are encouraged to voice their questions and concerns directly to management, so that they can be addressed promptly and correctly. Managers often surprise staff members for their birthdays, and the company holds contests, holiday celebrations, health fairs, and other initiatives to show employees their appreciation.

“We believe that it is important to have an environment where people feel welcomed, encouraged, appreciated, and most importantly, heard,” said Bernadette Pearson, HR Director. “The people of NFM are what make NFM so unique, and without their input and passion, NFM’s executives could not have built or continued to maintain the culture we have today. I feel honored to work with such amazing people and to be part of such a unique culture. “

In addition to this most recent award, NFM Lending has been recognized many times for its exceptional company culture. In 2015 alone, it was named one of the Washington Post’s Top Work Places in the Washington, D.C. area; a Top Mortgage Employer by National Mortgage Professional Magazine; and one of Mortgage Executive Magazine’s Top 50 Best Companies to Work For. NFM Lending is proud of each member of its team, and the work they do to make NFM a Top Workplace.

NFM Lending is a mortgage lending company currently licensed in 29 states in the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender™.”

For information on NFM Lending, please email pr@nfmlending.com or visit their website at www.nfmlending.com.

LINTHICUM, MD, November 25, 2015— NFM Lending sponsored the Mortgage Bankers Association of Georgia (MBAG) Foundation Auction on Wednesday, November 18, 2015. The MBAG Foundation is a nonprofit, which participates in community charitable initiatives each year.

The Auction took place at a local restaurant, and was sponsored by various businesses. Gladys Marcelin, a Branch Manager in Stockbridge, Georgia, attended the event on behalf of NFM Lending.

“I was very proud to represent NFM Lending at the MBAG Foundation Annual Charity Dinner, as we were one of the sponsors of the event,” said Marcelin. “Most of the known Mortgage Companies attended and it was a great way to add some leverage to our name in Georgia. NFM was established in Georgia last fall and we are already known in the metro Atlanta. The organizers were very grateful of our donations.”

MBAG is a trade association of Mortgage Lenders, Brokers, and other Industry Professionals. According to their website, the Association is “dedicated to the preservation and improvement of the mortgage banking correspondent system.” The MBAG Foundation is a nonprofit 501(c)(3) organization founded by MBAG to support the local community. Each year, the foundation takes on a project for charity, providing financial support, materials, and labor, depending on the project.

NFM Lending is proud to support the MBAG Foundation. NFM has been involved in charitable efforts with AnySoldier, the Ronald McDonald House of Baltimore, the Maryland SPCA, and the American Diabetes Association, as well as many others. For more information about NFM Lending’s charitable work, click here.

LINTHICUM, MD, November 6, 2015— NFM Lending will sponsor the Philadelphia Chapter Little Smiles Stars Ball taking place on November 14, 2015. This event is a gala to benefit children undergoing treatment for life-altering illnesses in the Greater Philadelphia region.

The theme of this year’s Stars Ball is “A Night at the Oscars” and will take place at the Marriott Philadelphia Downtown. Children currently undergoing treatment for life-altering illnesses will be the “Stars” of the event, arriving by limo and walking the red carpet. The event will include dinner, dancing, a silent auction, raffles, and live auction.

“Little smiles works with local hospitals, hospices, and other like facilities to help kids with very serious forms of cancer escape their circumstances, even if it’s just for a short period of time,” said David Silverman, CEO of NFM Lending. “My very close friend’s daughter is a miracle survivor of a rare and deadly form of Leukemia. Not only did she benefit from the work of Little Smiles, but she was able to get a successful bone marrow transplant from her brother, and is now 5 years clear of the disease. It’s an honor for NFM to help this incredible organization continue their mission.”

Little Smiles is a volunteer-driven, nonprofit 501(c)3 children’s charity. The organization’s mission is to help children in local hospitals, hospices, shelters, and similar care facilities by allowing them to “be a kid again.” Working together with local professionals such as doctors, nurses, child life specialists, and social workers, the organization works to help bring “little smiles” to these children, giving them special event tickets, toys and electronics, pizza parties, and more.

NFM Lending is proud to support many local charities and nonprofits through sponsorship and volunteer work. NFM has also been involved in charitable efforts with AnySoldier, the Ronald McDonald House of Baltimore, the Maryland SPCA, and the American Diabetes Association, to name a few. For more information about NFM Lending’s charitable work, click here.

When you submit an application for a home loan, one factor a lender will take into consideration is your employment history. A recent job change, a gap in work history, or a change in pay structure can all affect the home loan you qualify for. Lee Killen, a Branch Manager at NFM Lending, answered some questions about how your job history can affect your ability to qualify for a loan.

How can a recent job change impact a borrower’s eligibility for a home loan?
A recent job switch or position change at one’s current company can impact a Borrower’s eligibility for a home loan either positively or negatively, depending on the pay rate and type of pay being received (hourly, salary, or commission). The easiest transition is moving from a job in the same field with an increase in salary. The most detrimental transition when trying to purchase a house is moving from a salaried position, to a position with a large portion of your pay coming from commission. You will need to document two years’ history of commission or bonus income before it can be used to qualify for a home loan.

In what other ways do job history and pay structure affect mortgage eligibility?
A lender’s main responsibility when lending money is making sure the Borrower has the ability to repay. A large part of this process is verifying job and income stability. Your lender will verify a minimum of two years’ work and income history through tax returns, W2s, and pay stubs, along with a verification of employment from each employer over the last two years. Self-employed income and unreimbursed business expenses will also be reviewed, and can negatively affect your ability to qualify for a mortgage. Make sure your mortgage professional has received and reviewed this documentation prior to entering into a purchase transaction. Please note that a major change in pay structure can also affect your ability to qualify. Changing from a salaried position to a commission-based pay structure could disqualify you for a loan if the change took place within the last two years. Commission or bonus income also requires a full two-year history.

What advice do you have for someone who has switched jobs recently, or is thinking of doing so, and also wants to apply for a mortgage?
If you are thinking of switching jobs and want to qualify for a home mortgage in the near future, it is recommended that you consult with a mortgage professional who can advise you as to whether a job move will negatively affect your ability to qualify for a mortgage. If you have already changed jobs, make sure you explain the reason for the change to your mortgage professional. This will need to be addressed in the financing process. Position and income changes are the key things lenders will look at. If you are staying in the same line of work and your income is increasing, this is typically not a problem.

When you are ready to purchase a home, be sure to talk to your lender and find out how any income or job changes will affect your loan eligibility. By staying prepared and working with a reputable lender, you can avoid stress and take the steps necessary to get qualified for a mortgage. For more information, or to get started with the pre-qualification process, click here to contact Lee Killen or one of our licensed Mortgage Loan Originators!

LINTHICUM, MD, November 2, 2015 — NFM Lending is pleased to announce the opening of a new branch in Glen Allen, Virginia. The branch will focus its lending platform throughout the state of Virginia. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options.

“NFM Lending offers us marketing resources, the operations staff to close loans quickly and smoothly, independence in our branch to shape the best customer experience as we see fit, competitive products, and a great culture and atmosphere in which to work in this challenging industry,” said Greg Cowart, Branch Manager. “The quality of departmental and company leadership here is second to none. We now have the best chance to take the best care of our clients, agents, and builders by joining NFM Lending.”

The Glen Allen branch is currently hiring qualified Loan Originators for full and part-time positions. The branch’s goal is to provide top-notch service, commitment, and dedication to borrowers, ranging from first time homebuyers, to seasoned buyers looking for their next home, a second home, or investment properties. Visit the branch page to learn more: https://nfmlending.com/VA318.

NFM Lending is a mortgage lending company currently licensed in 29 states across the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”™

LINTHICUM, MD, October 26, 2015— NFM Lending’s CEO, David Silverman will be a panelist on a mortgage executive panel at this year’s Mastermind Summit on November 4, 2015, in Atlantic City, New Jersey. Silverman will join mortgage industry leaders from across the country for this premier executive symposium that addresses critical issues and the future direction of the mortgage finance industry.

The Mastermind Summit is an annual networking event and sales conference hosted by Mortgage Executive Magazine for real estate and mortgage professionals. The event features keynote speakers, roundtable discussions, panels, and breakout sessions lead by sales professionals, trainers, and executives. The executive session, at which Silverman will speak, is an exclusive invitation-only event for managers of leading mortgage companies.

“I am honored to be asked to be on a panel at this year’s Mastermind,” said Silverman. “I look forward to the opportunity to help share our best practices and learn from not only the other panelists, but those in attendance.”

NFM Lending has prospered under Silverman’s leadership, and continues to receive national recognition. The company was named one of the 50 Best Companies to Work For in 2015 by Mortgage Executive Magazine; one of the Washington Post’s Top Work Places in the Washington, D.C. area in 2015; a Top Mortgage Employer by National Mortgage Professional Magazine in 2015; and a Top Work Place in the Baltimore area by The Baltimore Sun in 2012, 2013, and 2014. Silverman received Mortgage Executive Magazine’s Most Influential Mortgage Executives award this year for the third year in a row.

NFM Lending was founded in March of 1998, by David Silverman and his wife Sandy. The company started as a small brokerage shop with only 4 Loan Originators and is now a multi-state lender with more than 300 employees, 39 retail branches, and is licensed in 29 states.

LINTHICUM, MD, October 5, 2015 — NFM Lending is pleased to announce the opening of a new branch in New Orleans, Louisiana. The branch will focus its lending platform throughout the New Orleans area. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options. Visit the branch page to learn more: https://nfmlending.com/la317.

Jennifer Cook, Branch Manager, has worked in the mortgage industry for over 10 years. She has been part of the NFM Lending family since 2009 as a Loan Originator and Branch Manager, working out of the Corporate office in Linthicum, Maryland. She looks forward to the opportunity expand her business to the great state of Louisiana.

“I have been with NFM lending since 2009 and decided to branch out into a new location,” said Cook. “I have stayed with NFM because of their commitment to getting loans closed with the least stress possible for my buyers. NFM has great people in both the front and back of the house that truly care about our clients. Our strong operations team means I can focus on growing my business and helping people get into their dream homes.”

The New Orleans branch currently has openings for qualified Mortgage Loan Originators for full and part-time positions. The branch’s goal is to continue to provide the same commitment and dedication to borrowers ranging from first time homebuyers, to seasoned buyers looking for their next home, a second home, or investment properties.

LINTHICUM, MD, September 23, 2015 —The Diversified Home Group of NFM Lending in Tampa, Florida, has moved to a new location. This new location is at 14497 North Dale Mabry Highway, Suite 235N, Tampa, FL 33618.

“We were excited when the opportunity arose to join NFM Lending,” said Jane Floyd, Branch Manager. “The success and growth we have had in the past 18 months has been unbelievable. We finally outgrew our office of 13 years. Our new office is double the space and we are full again! We are excited to be part of the NFM Lending Family.”

The branch celebrated the Grand Opening of this new location on Wednesday, September 16, 2015. The celebration was attended by Jan Ozga, President of NFM Lending, as well as the company’s Director of Operations and the Underwriting Manager.

NFM Lending is a mortgage lending company currently licensed in 29 states across the United States. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to their customers and their community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”

The Consumer Financial Protection Bureau (CFPB) has released new online tools on their “Owning a Home” landing page. These tools are aimed at helping consumers better understand the mortgage process, in preparation for the TILA-RESPA Integrated Closing Disclosures (TRID), or the Know Before You Owe Rule, which goes into effect October 3, 2015.

Within each phase, consumers can use various online forms and worksheets to learn more about the loan process and their options. Consumers can, for example, explore potential interest rates, based on their credit score, location, home price, loan type, and more. There are also tools that walk consumers step-by-step through the new disclosure forms: the Loan Estimate and the Closing Disclosure.

NFM Lending is continuing to prepare its employees, industry partners and consumers for TRID. For more information on TRID, and to find out what NFM Lending is doing to prepare, click here.

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All FHA Case Transfer Requests must be sent in writing via email to: FHAINFO@nfmlending.com. The request must include the FHA Case number, the new lender’s Origination ID or Sponsor ID, the full subject property address, and a letter signed and dated by the borrower expressing desire for the transfer.
Request for payoff should be submitted to the current servicer of the loan:
If your loan is being serviced by the NFM Lake Zurich Servicing Center, please call 1-866-352-6802 to request a payoff. You can also request a payoff via the online borrower portal, if you are a registered user on the portal.
If your loan is being serviced by the NFM Lending Linthicum Maryland Office, you may submit the request to Servicing@nfmlending.com or call 1-866-765-1827.
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